PlainLender
2024 data HMDA 2024 disclosure official source

Kingfisher County

507 mortgage applications, 16.6% denial rate. Verify FIPS 40073 with U.S. Census Bureau →

PlainLender home → About this data

Oklahoma · FIPS 40073

Local mortgage market. Kingfisher County, Oklahoma saw 507 HMDA-reported mortgage applications in 2024. Lenders originated 248 of those loans and denied 84, producing a denial rate of 16.6% and an approval (origination) rate of 48.9%. The average loan amount was $202,811 at an average note rate of 7.37%, with applicants self-reporting average annual income of $38K. 84 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 40073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

507
Applications
248
Originated
16.6%
Denial Rate
48.9%
Approval Rate
$202,811
Avg Loan Amount
7.37%
Avg Interest Rate
$38K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Kingfisher County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 BANCFIRST 49 19.8%
2 Gateway First Bank 11 4.4%
3 Rocket Mortgage 10 4.0%
4 F&M Bank 10 4.0%
5 Mortgage Research Center 9 3.6%
Compare BANCFIRST vs Gateway First Bank →

Frequently Asked Questions

How many mortgage applications were filed in Kingfisher County?
In the 2024 HMDA reporting year, 507 mortgage applications were filed in Kingfisher County, Oklahoma. Of these, 248 were originated (approved and funded), while 84 were denied, resulting in a denial rate of 16.6%.
What is the mortgage denial rate in Kingfisher County?
The mortgage denial rate in Kingfisher County is 16.6%. The approval (origination) rate is 48.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kingfisher County?
The average mortgage loan amount in Kingfisher County is $202,811. The average interest rate is 7.366%. The average applicant income is $38K.
What is the loan-to-income ratio in Kingfisher County?
The average loan-to-income ratio in Kingfisher County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kingfisher County?
The top mortgage lenders in Kingfisher County by origination volume are BANCFIRST, Gateway First Bank, Rocket Mortgage. In total, 84 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.